Lexus GS 350 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 6, 2024
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The average insurance rates for a Lexus GS 350 are $1,262 a year for full coverage. Comprehensive costs around $270, collision costs $466, and liability coverage is estimated at $390. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $2,728. Teen drivers cost the most to insure at $4,708 a year or more.
Average premium for full coverage: $1,262
Policy rates for type of insurance:
Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different GS 350 trim levels.
Price Range Variability
For a 40-year-old driver, Lexus GS 350 insurance rates go from as low as $438 for basic liability insurance to a much higher rate of $2,728 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how your location can change auto insurance rates.
The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated Lexus GS 350 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $725
- Choosing higher $1,000 deductibles can save about $170 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,262
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,582
- Drivers with multiple violations and an at-fault accident could pay at least $2,728 or more
- Policy cost for full coverage for a teenage driver with full coverage can be $4,708 each year
Insurance rates for a Lexus GS 350 also range considerably based on your risk profile, the trim level of your GS 350, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Lexus GS 350 insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $966 | -$296 | -23.5% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,436 | $174 | 13.8% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,294 | $32 | 2.5% |
| Delaware | $1,424 | $162 | 12.8% |
| Florida | $1,574 | $312 | 24.7% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $852 | -$410 | -32.5% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $948 | -$314 | -24.9% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,864 | $602 | 47.7% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,508 | $246 | 19.5% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $992 | -$270 | -21.4% |
| Nevada | $1,510 | $248 | 19.7% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,408 | $146 | 11.6% |
| New Mexico | $1,114 | -$148 | -11.7% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,032 | -$230 | -18.2% |
| Ohio | $868 | -$394 | -31.2% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,200 | -$62 | -4.9% |
| Rhode Island | $1,680 | $418 | 33.1% |
| South Carolina | $1,144 | -$118 | -9.4% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,102 | -$160 | -12.7% |
| Texas | $1,518 | $256 | 20.3% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,154 | -$108 | -8.6% |
| Wisconsin | $870 | -$392 | -31.1% |
| Wyoming | $1,122 | -$140 | -11.1% |
Choosing high deductibles can save as much as $490 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges around 45% to 133% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,232 | $103 |
| Lexus GS 350 AWD | $1,262 | $105 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2019 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2018 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2017 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
| 2016 Lexus GS 350 | $260 | $436 | $394 | $1,226 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Lexus GS 350 Insurance
Finding cheaper rates on auto insurance takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a quick review of the material that was illustrated above.
- Consumers who may need more liability coverage will pay about $430 each year to raise limits from a 30/60 limit to 250/500 limits
- Teen drivers pay higher rates, costing up to $392 each month for full coverage
- Drivers with a DUI or reckless driving violation may be required to pay an average of $1,470 more every year to insure their GS 350
- Increasing comprehensive and collision deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,708 |
| 20 | $2,898 |
| 30 | $1,314 |
| 40 | $1,262 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,434 |
| $500 | $1,262 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,340 |
| 100/300 | $1,438 |
| 250/500 | $1,691 |
| 100 CSL | $1,379 |
| 300 CSL | $1,594 |
| 500 CSL | $1,750 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,722 |
| 20 | $4,618 |
| 30 | $2,788 |
| 40 | $2,728 |
| 50 | $2,602 |
| 60 | $2,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $57 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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